Macon, GA · Charter 60582
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.05% | 1.86% | 1.87% | 1.97% | 2.21% | 1.51% | 1.55% | -32 bps | |
| Return on Equity | 2.60% | 2.68% | 4.58% | 4.58% | 4.87% | 5.18% | 3.51% | 3.53% | -105 bps | |
| Net Interest Margin | 4.07% | 4.12% | 4.58% | 4.46% | 4.44% | 4.61% | 4.44% | 4.48% | +2 bps | |
| Efficiency Ratio | 76.84% | 76.27% | 60.91% | 59.85% | 54.97% | 54.39% | 67.22% | 66.84% | +698 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.31% | -10.00% | -11.08% | -4.07% | -0.15% | -3.44% | -0.75% | -2.43% | +164 bps | |
| Loan Growth (YoY) | -15.29% | -18.39% | -19.33% | -16.61% | -11.78% | -6.31% | -6.35% | -5.24% | +1,137 bps | |
| Share Growth (YoY) | -21.21% | -16.63% | -18.89% | -8.92% | -3.37% | -9.45% | -5.10% | -7.62% | +130 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.91% | 0.85% | 2.86% | 1.58% | 3.29% | 5.30% | 2.92% | 3.24% | +166 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 38.65% | 39.10% | 40.58% | 40.76% | 40.57% | 42.70% | 43.01% | 43.82% | +306 bps | |
| Net Worth / Assets | 38.65% | 39.10% | 40.58% | 40.76% | 40.57% | 42.70% | 43.01% | 43.82% | +306 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.64% | 69.11% | 69.72% | 68.61% | 67.22% | 71.50% | 68.80% | 70.38% | +177 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |